August 2015

Whether you enjoy shopping in High Chelmer, spending a day at the Marsh Farm Animal Adventure Park, or simply enjoying a meal and drinks at one of the premium restaurants in Chelmsford, living in this high energy city can be just the perfect location to build your career and raise your children. The history, the culture, and the rural escapes around Chelmsford can be an inviting atmosphere that you need to improve your quality of life. Before you begin the search for your new home you should get organised, find an estate agent that you trust, and work with a mortgage advisor that can provide you with the information that you need to secure your purchase. Let’s look at how you can use a methodical approach to buying your dream home without stress and frustration.

• If you have been saving your money for some time now, you can find a mortgage that suits your needs much better. With a larger deposit you can find a much better deal with a lower interest rate that may work well within your budget. It’s important to save at least a small portion of each pay cheque as you work toward owning your own home in Chelmsford.

• Calculate just how much buying and running your own home will cost; you should include mortgage payments which a mortgage advisor in Chelmsford can help you figure out. Include survey costs, any legal fees, and stamp duty that will be assessed when you buy your new home.

• Begin to research the mortgages that are available in Chelmsford by visiting websites like http://www.flagstone.co.uk/contact/chelmsford where you’ll find a myriad of helpful information about finding a good advisor, getting a good mortgage rate, and how to streamline the entire process by submitting accurate and reliable documentation ahead of time.

• You should next partner with a reliable estate agent who can narrow down the properties that you visit; they will know what you can afford and will steer you toward only the homes that are within your budget to review.

• You’ll need a solicitor to make sure that all legalities are covered properly and that you submit the correct paperwork as it pertains to your purchase. Find this professional before you want to make an offer so that once you find the home you like you’ll be ready to make a move on the property.

• You will extend an offer on the home and once the buyer accepts your offer it’s time to apply for the mortgage that you need. With experts by your side the entire transaction should move quickly and smoothly so that you can begin the move to your new location as quickly as possible.

Buying the home of your dreams requires that you determine what you can afford, that you find a team of solicitors and estate agents that can work with you to move the paperwork along quickly, and that you save enough for a sizeable down payment that will give you a better rate of interest on your mortgage.

As the owner of a successful business you wear many different hats throughout the day, all of which takes up your valuable time and requires that you pay close attention to the details of your business operations. In order to continue the success that you are now experiencing you’ll have to find ways to increase the number of hours in each of your work days. You can begin with outsourcing the payroll duties of your company to a reliable company that can handle this chore for you professionally. Shop carefully, find the ideal company for your specific needs, and make them a trusted part of your organisation. You’ll be able to dedicate more time to the core of your business, network with your clients and colleagues, and grow your company just as you have dreamed of doing. Do you want to make your payroll a worry-free task? Then search for a payroll service company that can provide you with some of the features listed below.

• For payroll services you should expect no cost for set-up or no additional hidden costs for the services that you discuss for your business. Make sure that you enquire about all charges up front so that you will be fully aware of what you owe each month for the services provided.

• It’s important that the service you hire be designed specifically for your company; this tailored service will handle all of the duties that you or your designated staff member has done in the past. The team that you hire must pay close attention to the details of your payroll and work with you to meet all deadlines for taxes so no penalties will be charged to your business for late submission.

• As you are discussing the capabilities of the payroll company ask if they are knowledgeable about PAYE and VAT so that those requirements can be met with accuracy and reliability. At this point in the conversation ask what types of services they can provide and the deadlines that they require for getting and returning information to you. Using the website http://www.berkeleyhamilton.co.uk/payroll as a source you can begin to see some of the basic services that should be available to you from a reputable company.

• You should also ask about the types of reports that you can expect to receive from your payroll data. You may want to review the total revenue that you are spending on employees’ salaries from time to time and if reports can be sent to you in user-friendly formats you’ll have a visual account of where your money is going.

From payslips to P60s you should be able to depend upon the payroll provider to supply you with accurate documentation and reliable reports that keep you abreast of what’s happening in the payroll department of your company. Choose a company that has plenty of experience so that your payroll will be stress-free and your days will have more hours for you to grow your business.

If you are looking for gold bullions, then apart from buying from vendors that sell gold, you also have the option of buying it online as the prices are not only cheaper but most of the online vendors have safe systems that ensure delivery and payments. There are many sites that are offering gold bullions of different sizes for prospective buyers, and the weight of these bullions range from 1/100oz to 1 kilo. Depending upon your requirements, you can check between different sites that are offering precious metals bullions. One of the reasons that many people refrain from buying gold bullions online is that they are unaware of the purity they would be getting. However, this problem can be easily solved by checking out the reputation and authority of the site.

As gold bullions come at a hefty price, it is better to be safe than sorry and check out the authority of the site in this niche, as well as the experience of the company towards buying and selling precious metals. There are many cases whereby buyers who order 24 carat gold bullion (24 K is pure gold), were given 18 or 22 carat gold bullion (which has a lesser purity level), and sometimes even the purity of the stated karat of the bullion is questionable. There are many different types of scams running online, so taking time to search for the best dealer of gold bullion online would help you eradicate all the problems completely. Here are a few pointers that would help you make online purchase safely, without losing your money’s worth.

• Make sure that you do your research and make a short list of the respected buyers and sellers of precious metals online.

• From the short list you have prepared, take the quotes of the gold bullion from different gold merchants.

• Check out the reviews of the top gold merchants online, and see who has got the most positive feedbacks.

• Also, check whether the merchant you are going to buy the gold from is authorized or not, have necessary licenses and accreditations or not.

• Consult with customer service to clarify any doubts before buying, and see how attentive and responsive the merchant’s customer service is.

These are the few tips that would help you select the merchant who is credible, reputed and reliable. It would ensure that you are putting your money at the right place, and you would get your money’s worth for sure. With so many scams happening online, it only makes sense to take your time to do extensive research before you buy gold bullion to avoid any losses that may arise from online scammers.

Running a business in this day and age is fraught with its own challenges and complications. Business owners today have to deal with a more dynamic world, where everything can change in the blink of an eye. Nowadays, you not only have to contend with traditional marketing methods, for instance – you also have to think about a decent social media and web platform just to give your business an edge.

With all these rapid changes, what is a business owner to do? As a business owner, you are set to face a variety of business challenges – if not now, then in the near future. Following is a rundown of some of the biggest business challenges every enterprise is set to face, and how to deal with them.

• Increased uncertainty

Increased uncertainty is obviously one of the biggest business challenges for any enterprise today. This is due to the rapid changes in consumer trends and consumer awareness, changing market places and economies, and other changes brought about by the digital age. There is a way to deal with this uncertainty, however: you can seek help from a professional business consultant who can give you a better awareness of present and future trends and give you a more-than-guesswork prediction of the economic and consumer climate that is to come. This way, you are better prepared for any eventuality and can take whatever means necessary to combat this uncertainty.

• More difficulties in the management of finances

Many business owners have their own set of skills, but most of them are filled with ideas – which means that they are good at seeing the big picture, but are often at a loss when it comes to the details. If you see yourself as being like this, then you may already be having difficulties dealing with the proper management of your finances. Financial management entails crucial knowledge about cash flow, cost reduction, profit margin, financing, tax regulations and submissions, and more. And the management of your business finances is set to become more difficult in the future with various regulations coming up time and again.

If you do not want your financial management issues to get in the way of your business, your best bet is to enlist the services of a competent and capable accountant and financial consultant, such as accountants in central London like Griffin Stone Moscrop & Co. With the help of these accountants in central London, you can concentrate on growing your business without worrying about the financial details and your financial tasks and responsibilities.

• Increasing your competency and finding the best talent

Even if you have just a small business enterprise, you will eventually have certain difficulties increasing your competency in your chosen niche. You will then have to find the best talent for your enterprise and train your existing staff so they too can be more competent. If your aim is for your business to grow and expand in the future, then you must invest in the best talent that you can find. One solution for the issue of competency and employees who have the right skills is to bring in a qualified consultant who will be in charge of recruiting people and training your existing people in the right knowledge, competencies, and skills.

Even with these challenges, your business can still thrive and prosper – as long as you deal with these difficulties in a timely manner and take the necessary steps to be fully and adequately prepared.

After your corporate doors are open and your employees are busy producing your goods and delivering services you should take time to analyse your finances. At this point in the development of your business you can find problem areas that can impact your cashflow as well as the competitiveness of your company. Remember to keep an open mind so that you can readily find and implement solutions that are needed for the health of your company. Let’s look at some of the areas that you should examine as you perform a financial analysis of your company.

What Impacts Your Cashflow?

Your cashflow can be impacted by a number of factors that can get out of control if proper procedures are not in place to handle situations that can arise. Determine if your customers are receiving and paying their invoices in a timely manner. Do you or your staff follow-up with communications when payments are not made? How do you collect money that is owed to your business? Do you have a Plan B to implement when your cashflow becomes impacted negatively? Visit the website ultimatefinance.co.uk so that you can begin to craft an alternative plan for having enough cash to pay your bills when they are due.

Making Changes

Revamping your invoices and changing the procedures that you use can be the perfect solution to your cashflow problems. It’s important to train your staff so that they can make modifications in their schedules and complete the invoices on the new timetable. Once clients begin to receive their bills the same time each month, they can set up payment regimes that help you to keep adequate funds available to honour your own financial obligations. Adjust any billing cycles that you find are in need of changes, inform clients of your new process, and ask for their help in making this transition to a new and smoother billing procedure for everyone.

New Initiatives

After you have examined your company’s finances, you may want to implement some new initiatives that can prevent any future cashflow problems. Try setting aside an amount of money each month in a special account designed for emergencies and challenging issues. Even if you only begin with a small amount, the money will begin to grow and provide you with a cushion of protection should something happen that you don’t expect. Ask employees to use cost-saving habits around the office and work area so that your energy bills can begin to decrease; staff members can take simple steps to turn off lights in rooms not used or to unplug electronic devices at the end of the day.

Taking a good, hard look at your company’s finances can be the beginning of a more positive cashflow which will keep you competitive in the marketplace. Keep an open mind, implement changes, and train staff members on the new procedures immediately. Finally, having an alternative plan in place for additional cash when you need it will provide you with peace of mind in every challenge.